Best Savings Accounts in Singapore 2021: Highest Interest Rates for Working Adults
2020 has not been the best for of years if you have your money in a savings account with highinterest rates.
As the world reels from the impact of COVID19, central banks around the world have been cutting their benchmark rates after the U.S. Federal Reserve cut interest rates to nearzero.
The Fed also recently announced that they will keep interest rates near zero until 2023.
As such, interest rates from these savings accounts have been slipping and falling like this penguin:
With banks changing their interest rates multiple times this year, you might find it hard to keep track of the changes.
As such, we have updated this guide for 2021 to help you find the best savings account for your needs in the year ahead.
Here’s all you need to know!
Article updated on 22 Dec 2020 to reflect all the latest changes to the savings accounts in the market:
 Changes to the DBS Multiplier and Standard Chartered JumpStart account will take effect from 1 Jan 2021.
 Whereas for the CIMB FastSaver account, the changes will take effect from 15 Jan 2021.
Best Savings Accounts in Singapore With the Highest Interest Rates 2021
In order to find the best savings account, we looked at a typical working adult in Singapore and assumed that he or she:
 Has a starting minimum of $10,000 in their savings account
 Has at least $2,000 in salary credited into the savings account after CPF contribution
 Spends a minimum of $500 a month via credit card on daily expenses (transport and food)
 Pays at least three bills.
Do note that for this comparison, we will take it that the confirmed changes to the savings account interest rates have already been implemented.
Based on the criteria that we set out, here’s how much interest you’ll be getting:
Savings Account  Interest Earned 

Maybank Save Up  1.03% p.a. 
Bank of China SmartSaver  0.90% p.a. 
UOB One  0.50% p.a. 
OCBC 360  0.55% p.a. 
SCB JumpStart  0.40% p.a. (If under 26 years old W.E.F: 1 Jan 2021) 
DBS Multiplier  0.40% p.a. (W.E.F: 1 Jan 2021) 
SCB BonusSaver  0.35% p.a. 
CIMB FastSaver  0.30% p.a. (W.E.F. 15 Jan 2020) 
Maybank Save Up will give you the highest interest of 1.03% p.a.
For a more universal comparison that’s applicable to most, you can refer to the table below to find out the potential interest rate you can get.
Here’s how to use the table:
 The extreme left column will tell you what kind of base interest or category you need to fulfil in order to qualify for the interest
 If you meet any of the categories, make a mental note of the corresponding interest rate
 Add everything up to get your estimated potential interest rate
If this is too much work…
You can use the FREE Seedly Savings Account Calculator to help you make your decision faster!
P.S. Unlike other comparison sites, we’ve excluded shortterm promos from this comparison as the perks don’t last long.
Because once the promo expires, you’ll be stuck with an interest rate that’s not the most ideal.
Seedly Savings Account Calculator: Find the Best Savings Account in Less Than a Minute
The whole process of choosing the best savings account can be rather confusing as we all have different spending habits and incomes.
To make it easier for you, we created the Seedly Savings Account Calculator which you can use for FREE!
All you have to do is fill up some basic information like your:
 bank balance
 monthly salary credited
 monthly credit card spend.
And the calculator will tell you which savings account gives you the highest interest rate!
If you’re still unsure, you can also read real user reviews left by our SeedlyCommunity to find out if it’s really the best savings account for you!
Bank of China Savings Account: BOC SmartSaver Account
BOC SmartSaver Interest Rates (Updated With 1 Aug 2020 Rates)
Bonus Interest Categories  Before 1 August 2020  From 1 August 2020 

Wealth (New)    1.50% p.a. 
Card Spend  1.60% p.a. (Spend at least $1,500)  0.50% p.a. (Spend at least $1,500) 
0.80% p.a. (Spend at least $500)  0.30% p.a. (Spend at least $500) 

Monthly Salary Crediting  0.80% p.a. (from $2,000 to $6,000)  0.30% p.a. (from $2,000 to $6,000) 
1.20% p.a. ($6,000 and above)  0.50% p.a. ($6,000 and above) 

Payment  0.35% p.a.  0.30% p.a. 
Extra Savings  0.60% p.a.  0.40% p.a. 
Note: the Extra Savings interest is only applicable to account balances above $80,000 (previously $60,000).
 Initial deposit: $1,500
 Minimum monthly balance: $1,500
 Bonus interest cap: $80,000
FYI: The changes to the base interest rate of the BOC SmartSaver account are effective 1 Aug 2020.
Before 1 August 2020  From 1 August 2020  

Below $5,000  0.25%  0.1% 
$5,000 to $20,000  0.275%  0.1% 
$20,000 to $50,000  0.35%  0.15% 
$50,000 to $100,000  0.4%  0.15% 
$100,000 and above  0.475%  0.2% 
Things To Note About Bank of China SmartSaver
Even with “over 200 ATMs” located around Singapore, it’s not easy to find a Bank of China ATM when you need it.
But I supposed that’s a good thing as you’ll be less likely to make withdrawals.
In terms of credit card spending, you might want to consider using the BOC Family Card as it gives you up to 10% cashback on groceries and dining.
But the minimum spend of $800 to qualify for the cashback might discourage those who don’t spend that much.
How to Maximise Bank of China SmartSaver Interest Earned?
If you’re earning a high income (at least $6,000), then BOC Smart Saver is a pretty good choice as you don’t need to jump through too many hoops to qualify for the additional interest.
Here’s how much interest you can get based on the criteria we set out:
Category (fulfilled monthly)  Interest Rate (p.a.) 

Card Spend ($500)  0.30% 
Salary Crediting ($2,000)  0.30% 
Payment (Three bills of at least $30 each)  0.30% 
Total Interest  0.90% 
Best CIMB Savings Account: CIMB FastSaver Account
CIMB FastSaver Interest Rates (Updated With 15 Jan 2021 Rates)
FYI: From 15 Jan 2020 onwards, CIMB will be revising its interest rates for the CIMB FastSaver account.
Account Balance  Interest Rates (Before 15 Jan 2020)  Interest Rates (After 15 Jan 2020) 

First $50,000  0.30% p.a.  0.30% p.a. 
Next $25,000  0.50% p.a.  0.30% p.a. 
Next $25,000  0.75% p.a.  0.15% p.a. 
Above $100,000  0.30% p.a.  0.15% p.a. 
 Initial deposit: $1,000
 Minimum monthly balance: $0 (but leave $1,000 to get the interest!)
 Bonus interest cap: $100,000
How to Maximise CIMB FastSaver Interest Earned Based on Above Criteria
The best thing about CIMB FastSaver is that it is a pretty straightforward savings account WITH NO CONDITIONS.
From 15 Jan 2021, you basically get 0.30% p.a. interest on everything up to $50,000 and there’s no fall below fee either.
Here’s how much interest you can get based on the criteria we set out:
0.30% p.a.
See?
Simple.
Best DBS Savings Account: DBS Multiplier Account
DBS Multiplier Interest Rates (Updated with 1 Jan 2021 Rates)
FYI: If you’re currently using DBS Multiplier, you probably would have heard of the latest changes to the interest rates that will take effect from 1 Jan 2021.
First $25,000 Income + transactions in 1 category  First $50,000 Income + transactions in 2 categories  Next $50,000 Income + transactions in 3 categories 


Total eligible transactions per month  Before 1 Jan 2021 (per annum)  From 1 Jan 2021 (per annum)  Changes in interest rate (percentage point)  Before 1 Jan 2021 (per annum)  From 1 Jan 2021 (per annum)  Changes in interest rate (percentage point)  Before 1 Jan 2021 (per annum)  From 1 Jan 2021 (per annum)  Changes in interest rate (percentage point) 
Below $2,000  0.05%  0.05%  No change  0.05%  0.05%  No change  0.05%  0.05%  No change 
$2,000 to <$2,500  0.70%  0.40%  0.30%  1.30%  0.60%  0.70%  2.00%  1.20%  0.80% 
$2,500 to <$5,000  0.90%  0.40%  0.50%  1.50%  0.70%  0.80%  2.20%  1.40%  0.80% 
$5,000 to <$15,000  1.10%  0.50%  0.60%  1.80%  0.80%  1.00%  2.40%  1.60%  0.80% 
$15,000 to <$30,000  1.20%  0.50%  0.70%  1.90%  1.00%  0.90%  2.50%  1.70%  0.80% 
$30,000 and above  1.30%  0.60%  0.70%  2.80%  2.00%  0.80%  3.80%  3.00%  0.80% 
The bonus interest rate you earn is influenced by:
Option 1
 Income
 Salary credit, and/ or
 Dividends credited via GIRO from CDP.
In addition to how many and how much transactions you make in the following categories:
 Credit Card Spend
 Home Loan Instalments
 Insurance (only for the first 12 consecutive months)
 Investments (only for the first 12 consecutive months).
Option 2
 Income
 Salary credit, and/ or
 Dividends credited via GIRO from CDP
 Plus, PayLah Retail Spend.
Option 3
 PayLah Retail Spend (29 years old and below).
The more categories you transact in, and the higher the amount you transact in, the more interest you’ll earn.
Note: even though there is no minimum transaction required for each category, you still need to have a total transaction of at least $2,000 under the Income category to qualify for ANY bonus interest tier.
 Initial deposit: $0
 Minimum monthly balance: $3,000 (fallbelow fee waived till 29 years old)
 Bonus interest cap: $25,000
Things To Note About DBS Multiplier
You’ll notice that the bonus interest you earn on the Insurance and Investments categories is only recognised for the first 12 consecutive months.
After that, you can only go as far as Income plus transactions in 2 categories: Credit Card Spend and Home Loan Instalments.
Unless you choose to buy EVEN more insurance and make MORE investments…
How to Maximise DBS Multiplier Interest Earned Based on Above Criteria
Like most savings accounts, the DBS Multiplier savings account base interest rate is a paltry 0.05% per annum.
To earn the extra interest, you’ll need to minimally credit your salary or dividends from CDP via GIRO to qualify for the Income category.
Then to get more interest, you’ll need to:
 Spend using any DBS or POSB credit card to qualify for the Credit Card Spend category
 Get a home loan from DBS or POSB to qualify for the Home Loan Instalment category
 Get insurance from DBS or POSB to qualify for the Insurance category
 Have investments with DBS or POSB to qualify for the Investments category
Based on the criteria we set out earlier, you will fulfil the salary credit category and credit card spend category.
Here is how much interest you can earn after 1 Jan 2021:
Category (fulfilled monthly)  Amount Transacted  Interest Rate (p.a.) 

Income  $2,000 through GIRO (salary or dividends from CDP)  0.40% 
Credit Card Spend  $500 through a DBS credit card  
Total Interest  0.40% 
If you take up a home mortgage loan or invest with DBS as well.
Then you’ll probably be able to push that interest up from 0.40% to 0.60% p.a.
And if you can transact more than $15,000 a month, then that pushes it up from 0.60% to 1.0% p.a…
But if you’re moving that kind of money a month, you’re probably don’t really care about finding the best savings account.
Best Maybank Savings Account: Maybank SaveUp Account
Maybank SaveUp Interest Rate (With 21 Dec 2020 Rates)
FYI: If you’re currently using the Maybank SaveUp account, here are the latest interest rates as of 21 Dec 2020.
Interest  

Base Interest  0.1875% p.a. (first $3,000) 0.25% p.a. (Next S$47,000) 0.3125% (Remaining balance above S$50,000) 
Additional Interest  
1 product or service  0.30% p.a. 
2 products or services  0.80% p.a. 
3 products or services  2.75% p.a. 
*Additional interest capped at first $50,000 of your account balance
 Initial deposit:
 $500 (Singaporeans/Permanent Residents)
 $1,000 (Foreigners)
 Minimum monthly balance: $1,000
 Bonus interest cap: $50,000
How to Maximise Maybank Save Up Interest Earned Based on Above Criteria
The Maybank Save Up programme lets you choose from nine different products and services in order to get the bonus interest:
Qualifying Products  Minimum Transaction Amount  Bonus interest period (months)  

Save  GIRO Payment* (To other billing organisations) AND/OR Salary Crediting* (Via GIRO or Maybank Payroll)  $300 monthly (GIRO) AND/OR $2,000 monthly (Salary)  1 month 
Spend  Card (Transact with Maybank Platinum Visa Card and/or Horizon Visa Signature Card)  $500 monthly  1 month 
Invest  Structured Deposits  $30,000  3 months 
Unit Trusts  $25,000 cash investments  12 months  
Insure  Regular Premium Insurance  $5,000 in annual premium  12 months 
Borrow  Home Loan (excludes Equity Loan)  $200,000  12 months 
Car Loan  $35,000  
Renovation Loan  $10,000  
Education Loan  $10,000 
*If you meet the minimum salary credit amount and/or the minimum aggregate GIRO debit amount stated in the table above, it will be considered as 1 Qualifying Product.
Note: looking at the number of loans available, it seems like Maybank Save Up would be ideal if you’re already planning to take a loan.
To best optimise your interest rate, you’ll basically want to fulfil at least three products and services in order to clock the maximum interest of 3.00% p.a.
If we stick with the criteria we set out — meaning you only fulfil two product or services — you only get 1.03% p.a.
Best OCBC Savings Account: OCBC 360 Account
OCBC 360 Interest Rates (Updated with 1 October 2020 Rates)
FYI: OCBC 360 has revised their interest rates recently.
The interest rate shown in the table below will be the interest rate effective 1 Oct 2020.
OCBC 360 Additional Interest Rates
Requirements  From 1 October 2020  Requirements  From 1 February 2021  Changes 

Salary Bonus (Credit at least $1,800 through GIRO)  First $25,000: 0.4% p.a.  Salary Bonus (Credit at least $1,800 through GIRO)  First $25,000: 0.3% p.a.  0.1% 
Next $25,000: 0.8% p.a.  Next $25,000: 0.6% p.a.  0.2%  
Next $25,000: 1.2% p.a.  Next $25,000: 1.2% p.a.  No change  
Save Bonus (Increase your average daily balance by at least $500 from the previous month)  First $25,000: 0.1% p.a.  Save Bonus (Increase your average daily balance by at least $500 from the previous month)  First $25,000: 0.1% p.a.  No change 
Next $25,000: 0.2% p.a.  Next $25,000: 0.2% p.a. 

Next $25,000: 0.4% p.a.  Next $25,000: 0.4% p.a. 

Insure Bonus (Insure with OCBC Bank and earn this bonus interest for 12 months)  First $25,000: 0.4% p.a.  Insure Bonus (Insure with OCBC Bank and earn this bonus interest for 12 months)  First $25,000: 0.3% p.a.  0.1% 
Next $25,000: 0.8% p.a.  Next $25,000: 0.6% p.a.  0.2%  
Next $25,000: 1.2% p.a.  Next $25,000: 1.2% p.a.  No change  
Invest Bonus (Invest with OCBC Bank and earn this bonus interest for 12 months)  First $25,000: 0.4% p.a.  Invest Bonus (Invest with OCBC Bank and earn this bonus interest for 12 months)  First $25,000: 0.3% p.a.  0.1% 
Next $25,000: 0.8% p.a.  Next $25,000: 0.6% p.a.  0.2%  
Next $25,000: 1.2% p.a.  Next $25,000: 1.2% p.a.  No change  
Grow Bonus (Maintain an average daily balance of at least $200,000 to earn this extra bonus each month)  First $75,000: 0.4% p.a.  Grow Bonus (Maintain an average daily balance of at least $200,000 to earn this extra bonus on the first $75,000 in your account each month)  First $75,000: 0.4% p.a.  No change 
Do note that you will earn a base interest of 0.05% a year on your entire account balance regardless of whether you fulfil the above categories.
 Initial deposit: $1,000
 Minimum monthly balance: $3,000 (fallbelow fee waived for 1st year)
 Bonus interest cap: $70,000
How to Maximise OCBC 360 Interest Earned Based on Above Criteria
If you don’t like reading terms and conditions, here’s our suggestion on how you can maximise your OCBC 360 Saving Account’s interest rate.
The criterion to hit the OCBC 360 Grow Bonus interest rate is probably out of reach for most of us.
Like seriously, who has $200k lying around in the bank?!
Instead, you’ll want to fulfil as many other categories as you can:
 Credit your salary to earn Salary Bonus
 Increase your bank balance at least $500 a month to earn Save Bonus
 Buy unit trusts or endowment insurance plans from OCBC to build your retirement portfolio and earn the Insure Bonus or Invest Bonus.
Even if you’re unsure about buying insurance or investment products from OCBC, here’s an example of how much interest you can earn based on the above criteria:
Condition (fulfilled monthly)  Interest Rate (p.a.) 

Salary Bonus (credit at least $1,800 via GIRO)  0.4% 
Save (Increase your average daily balance by at least S$500 monthly)  0.1% 
Base Interest  0.05% 
Total Interest  0.55% 
Best Standard Chartered Savings Account: Standard Chartered Bonus$aver Account
Standard Chartered Bonus$aver Interest Rates (Updated with 1 Dec 2020 Rates)
FYI: Before we get into it, you should know that the BonusSaver bonus interest rates were revised recently.
The interest rate shown in the table below will be the interest rate effective 1 Dec 2020.
Requirements  Before 1 April 2020  From 1 April 2020  From 1 July 2020  From 1 October 2020  From 1 December 2020  Overall Changes in 2020 

Prevailing  0.10% p.a.  0.05% p.a.  0.05% p.a.  0.03% p.a.  0.03% p.a.  0.07% p.a. 
Card Spend (inclusive of Prevailing)  Up to 1.88% p.a. (min spend $2,000 monthly)  Up to 1.50% p.a. (min spend $2,000 monthly)  Up to 0.80% p.a (min spend $2,000 monthly)  Up to 0.75% p.a. (min spend $2,000 monthly)  Up to 0.60% p.a. (min spend $2,000 monthly)  1.28% p.a. 
Up to 0.88% p.a. (min spend $500 monthly)  Up to 0.50% p.a. (min spend $500 monthly)  Up to 0.30% p.a. (min spend $500 monthly)  Up to 0.25% p.a. (min spend $500 monthly)  Up to 0.25% p.a. (min spend $500 monthly)  0.63% p.a.  
Salary Credit  1.00% p.a.  1.00% p.a.  0.40% p.a.  0.20% p.a.  0.10% p.a.  0.90% p.a. 
Bill Payments  0.25% p.a.  0.15% p.a.  0.10% p.a.  0.10% p.a.  0.07% p.a.  0.18% p.a. 
Invest  0.75% p.a.  1.28% p.a.  0.85% p.a.  0.90% p.a.  0.90% p.a.  +1.05% p.a. Invest and Insure split into 2 separate categories since 1 July 2020 
Insure  0.85% p.a.  0.90% p.a.  0.90% p.a.  
Total On First $100,000 Eligible Deposit Balance (prior to 1 July 2020)  3.88% p.a.  3.88% p.a.  3.00% p.a. Note: Changed to total on first $80,000 eligible deposit balance  2.88% p.a.  2.60% p.a.  1.28% .a. Total eligible balance lowered by $20,000 
Note: the Base Interest for Standard Chartered BonusSaver has also been revised to 0.03% p.a.
 Initial deposit: $3,000
 Minimum daily balance: $3,000
 Bonus interest cap: $100,000
Note: you’ll have to maintain a minimum daily balance of $3,000 in your account to avoid getting charged a fall below fee of S$5 per calendar month.
How to Maximise SCB Bonus$aver Interest Earned?
The Standard Chartered BonusSaver account is great because it gives you extra interest if you spend more via a Standard Chartered credit card.
But based on the criteria we set out where you’re crediting your salary, spending $500 with your credit card and making three bill payments – you’ll only earn a paltry 0.35% p.a.
Yep.
To maximise the account, you will need to be drawing at least $3,000 for a small 0.10% bump in the bonus interest rates.
Or you could clock the Invest or Insure category to really see a boost in your bonus interest rate.
So if you aren’t drawing that kind of pay or looking to spend that kind of money.
You’re probably better off looking at other savings accounts that can give you better interest rates for less.
Best Standard Chartered Savings Account: Standard Chartered JumpStart Account
Standard Chartered JumpStart Interest Rates (Updated With 1 Jan 2021 Rates)
FYI: From 1 Jan 2021, you get 0.4% p.a. interest on the Standard Chartered Jumpstart account on balances up to $20,000 yearround.
And any incremental balances above $20,000 will receive 0.1% p.a.
The only catch? You need to be between 18 and 26 years old.
 Initial deposit: $0
 Minimum daily balance: $0 (no fallbelow fee)
 Bonus interest cap: $20,000
How to Maximise SCB JumpStart Interest Earned?
The Stan Chart JumpStart account is pretty straightforward.
Based on the criteria we set out, you’ll earn 0.4% p.a. interest.
But it would be a good idea to move anything above the $20,000 into another savings account which gives you more than 0.1% p.a. interest.
Best UOB Savings Account: UOB One Account
UOB One Interest Rates (Updated with 1 Nov 2020 Rates)
FYI: The interest rates for UOB One were revised recently
The interest rate shown in the table below will be the interest rate effective 1 Nov 2020.
Interest Rate (p.a.) Before 1 November 2020  Interest Rate (p.a.) After 1 November 2020  Difference (p.a.)  

Account Balance in your UOB One Account (SGD)  Spend min. $500 in a calendar month Total Interest for A  Spend min. $500 in a calendar month AND Credit Salary or make 3 GIRO debit transactions Total Interest for B  Spend min. $500 in a calendar month Total Interest for A  Spend min. $500 in a calendar month AND Credit Salary or make 3 GIRO debit transactions Total Interest for B  Spend min. $500 in a calendar month AND Credit Salary or make 3 GIRO debit transactions Total Interest for B 
First $15,000  0.25%  0.75%  0.25%  0.50%   0.25% 
$15,001  $30,000  0.25%  0.85%  0.25%  0.55%   0.30% 
$30,001  $45,000  0.25%  0.90%  0.25%  0.65%   0.25% 
$45,001  $60,000  0.25%  1.00%  0.25%  0.80%   0.20% 
$60,001  $75,000  0.25%  2.50%  0.25%  2.50%  No change 
$75,001 and Above  0.05%  0.05%  0.05%  0.05%  No change 
These changes will take effect on 1 Nov 2020 and the revision will be applicable to all new and existing UOB One accounts.
Note: the base interest for UOB One is 0.05% p.a.
 Initial deposit: None
 Minimum monthly balance: $1,000
 Bonus interest cap: $75,000
Things To Note About UOB One
 The total interest rate for option A is equivalent to current Base Interest plus revised Bonus Interest A
 The total Interest rate for option B is equivalent to current Base Interest plus revised Bonus Interest B
 Bonus Interest for UOB One is paid on first $75,000 balance in your One Account.
 Base Interest for UOB One is calculated at the end of each day based on each dayend balance
 Bonus Interest for UOB One is calculated at the end of each calendar month based on the monthly average balance.
How Can I Maximize My Uob Account Based on the Above Criteria?
If you want a savings account with a decent interest rate.
And don’t want to crack your head over complicated T&Cs…
Then the UOB One is your best bet because you only need to make sure that you spend $500 a month on your UOB credit cards:
 UOB One Card
 UOB Lady’s Card
 UOB YOLO
 UOB One Debit Mastercard
 UOB One Debit Visa Card
 Mighty FX Debit Card
The option to pay three bills by GIRO instead of crediting your salary means that this is also ideal for those without a steady paycheck (think: freelancers and stay at home moms)
Based on the criteria we set out, you’ll earn 0.50% p.a. since the 1 Nov 2020 changes have kicked in.
Other Considerations When Choosing the Best Savings Account
If you’ve just graduated or just started working, you probably still have your DBS or POSB savings account from back when you’re a kid.
Don’t leave it in a kids savings account and earn the meagre 0.05% p.a. interest, when you can upgrade to highinterest savings account instead.
If you’re lazy to switch banks, you can at least switch to the DBS Multiplier.
The application can be done online and it’ll only take you a couple of minutes.
However, sticking with DBS also brings about certain disadvantages such as:
 You have to apply for a DBS credit card AND spend a minimum sum with it
 You will usually have to wait a while when withdrawing money as the queue for DBS or POSB ATMs are usually the longest (since almost everyone’s using them)
Some of our Seedly Community members have also decided to switch other banks.
In a lowinterestrate environment, most of the banks are probably affected which resulted in the changes to their consumer products.
This is also one of the main reason we are seeing various updates that will start from January 2020 onwards.
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.
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Oh, before you switch your bank accounts.
Make sure to check with your company’s HR manager if your monthly salary GIRO credit is under the transaction code: SAL.
Considering that most savings account require you to credit your salary in order to get the bonus interest, this is extremely important!
You should also note that ATMs for foreign banks like Bank of China and Standard Chartered are usually limited.
This means that cash withdrawals are a little more tricky — although it might help you save more since you can’t withdraw your money that easily.
Lastly, go through our Seedly Reviews for the various savings account and pay attention to the feedback our community have given with regard to customer service as well as how easy it is to use their iBanking and mobile banking apps.